I spend part of the year outside Illinois. Will my Medicare Advantage plan still cover me when I’m away?
Answered by 3 licensed agents
It depends on your Medicare Advantage plan and where you’re traveling. Emergency and urgent care are generally covered anywhere in the United States, but routine care outside your plan’s service area may have limited or no coverage, especially with an HMO. If you spend several months each year outside Illinois, a local licensed agent can help you review your plan’s network and travel coverage to make sure it fits your needs.
It depends. If you are using the out of State coverage for an emergency situation; the answer is yes it will cover emergencies. If you want to go see a doctor for a routine type visit, then the answer is unfortunately no. If you want a plan that will travel with you, you would need to enroll in a Medicare Supplement plan.
Usually yes. Most medicare advantage plans will cover you for up to 6-9 months outside the service area. If it's an HMO it will only cover emergencies. If it's a PPO you will be able to use the plan out of network.
